13813 Toluca Drive
Bakersfield, CA, 93314
$479,900
MLS: NS26002812
Beds
4
Baths
2
Sq Ft
2,350
Lot
0.23 ac
Year Built
1991
MLS #
NS26002812
Days on Market
58
Listed
Jan 6, 2026
Description
You will love this 4-bedroom, 2-bath home with a 3-car garage. Upon entry, you are welcomed into the formal living room featuring a fireplace with a decorative soffit. The home also offers a formal dining area, a spacious great room with a second fireplace, and an upgraded kitchen with granite countertops, stainless steel appliances, and recessed lighting. Additional highlights include an indoor laundry room, newer flooring, and upgraded bathrooms. The primary bedroom offers direct backyard access and a generous en-suite bath with dual sinks, a separate soaking tub and shower, and a walk-in closet. The backyard is perfect for relaxing and entertaining, featuring a covered patio, an above-ground spa, and a dog run ideal for your fur babies.
Location
Bakersfield, Kern County, CA 93314
Open on Google Maps ↗Listed by: Jon Busby · Miramar Realty
Payment estimate
$3,634
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $47,990 · Loan: $431,910
- Principal & Interest
- $2,654
- Property tax (1.25%)
- $500
- Homeowners insurance
- $300
- Mortgage insurance
- $180
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Bakersfield home with as little as 3.5% down using an FHA loan — roughly $16,797 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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